Missouri Revised Statutes

376.2002. 1. No individual or entity shall perform, offer to perform,
or advertise any service as a navigator in this state, or receive navigator
funding from the state or an exchange unless licensed as a navigator by the
department under sections 376.2000 to 376.2014.

2. A navigator may:

(1) Provide fair and impartial information and services in connection
with eligibility, enrollment, and program specifications of any health benefit
exchange operating in this state, including information about the costs of
coverage, advance payments of premium tax credits, and cost-sharing
reductions;

(2) Facilitate the selection of a qualified health plan;

(3) Initiate the enrollment process;

(4) Provide referrals to any applicable office of health insurance
consumer assistance, ombudsman, or other agency for any enrollee with a
grievance, complaint, or question regarding their health plan, coverage, or
determination under the plan; and

(5) Use culturally and linguistically appropriate language to
communicate the information authorized in this subsection.

3. Unless also properly licensed as an insurance producer in this state
with authority for health under section 375.014, a navigator shall not:

(1) Sell, solicit, or negotiate health insurance;

(2) Engage in any activity that would require an insurance producer
license;

(3) Provide advice concerning the benefits, terms, and features of a
particular health plan or offer advice about which exchange health plan is
better or worse for a particular individual or employer;

(4) Recommend or endorse a particular health plan or advise consumers
about which health plan to choose; or

(5) Provide any information or services related to health benefit plans
or other products not offered in the exchange.

4. The following entities or persons are exempt from the requirement to
be licensed as a navigator:

(1) An entity or person licensed as an insurance producer in this state
with authority for health under section 375.014;

(a) The health care provider does not receive any funds from the United
States Department of Health and Human Services or a health exchange operating
in this state to act as a navigator; and

(b) The activities or functions performed are related to advising,
assisting, or counseling patients regarding private or public coverage or
financial matters related to medical treatments or government assistance
programs.

However, nothing in this section shall prohibit a health care provider from
voluntarily becoming licensed as a navigator.